Certified Application Counselor Practice Test

What types of entities help consumers find coverage through the FFM?

1. Only Navigators

2. Only CACs

3. Navigators and CACs

4. Agents and Brokers only

The correct answer is: Navigators and CACs

Navigators and Certified Application Counselors (CACs) play crucial roles in assisting consumers in finding health coverage through the Federally-facilitated Marketplace (FFM). Both of these entities are designed to provide free, in-person assistance to individuals seeking to understand their options for health insurance. Navigators are trained organizations or individuals who are specifically tasked with helping consumers navigate the insurance process. They provide assistance in understanding the marketplace, help with completing applications, and offer guidance on health care coverage options. Similarly, Certified Application Counselors are trained individuals who are also equipped to help consumers understand and apply for health coverage through the marketplace. They serve the same purpose as Navigators but may be affiliated with various organizations, including community-based groups or health care providers. Both Navigators and CACs are essential because they provide unbiased support and are knowledgeable about the choices available in the FFM, ensuring that consumers can make informed decisions about their health coverage. This collaborative approach helps to reach a broader audience, allowing more individuals to access necessary health care services. Agents and brokers, while they play a vital role in health insurance enrollment, operate differently and often represent specific insurance companies, which is distinct from the more neutral guidance offered by Navigators and CACs.